Hello all, I am planning to apply for PL amount is around 25k. Big part of it is to pay off my creditcard (around 20k)- My question  :is it a wise move to pay CC with a PL? What I can conclude it that CC % is too damn high compare to a PL%, by doing this, I am actually saving on the %,correct?

And 1 more thing, some suggested to do a balance transfer instead of getting a PL, any comments on this?

Thank you all.